SBA Credit Analyst 6

U.S. Bank•Overland Park, KS

About The Position

The SBA Credit Analyst is responsible for approving extensions of credit and/or recommending approval or denial to the person or people making final lending decisions on new, renewal, and extension loans. Before making or advising on a credit decision, the analyst conducts complete credit analyses by gathering, analyzing, and interpreting credit information about existing and prospective customers. The analyst reviews customer accounts and portfolios to identify and evaluate potential credit quality issues and determine appropriate actions to maximize credit quality while minimizing risk and potential losses. The role may use technological tools, including computer software, to assess individual credits or portfolios, compare possible courses of action, and make recommendations or decisions.

Requirements

Bachelor’s degree or equivalent work experience.
Typically six or more years of relevant experience.
Strong credit analysis and analytical skills.
In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis.
Effective technical report-writing skills.
Effective verbal and written communication skills.
Proficient computer navigation skills using a variety of software packages.

Nice To Haves

Background in economics, accounting, and/or finance.
Master’s degree or CPA certification.

Responsibilities

Approve extensions of credit and/or recommend approval or denial to final decision-makers on new, renewal, and extension loans.
Gather, analyze, and interpret credit information on existing and prospective customers.
Conduct complete credit analyses before making or advising on credit decisions.
Review customer accounts and portfolios to identify and evaluate potential credit quality issues.
Determine appropriate actions to maximize credit quality and minimize risk and potential losses.
Use technological tools and software to evaluate individual credits or portfolios and compare possible courses of action.
Make recommendations and/or credit decisions after considering possible courses of action.

Benefits

Healthcare, including medical, dental, and vision coverage.
Basic term and optional term life insurance.
Short-term and long-term disability coverage.
Pregnancy disability and parental leave.
401(k) and employer-funded retirement plan.
Paid vacation, from two to five weeks depending on salary grade and tenure.
Up to 11 paid holiday opportunities.
Adoption assistance.
Sick and Safe Leave accruals of one hour for every 30 hours worked, up to 80 hours per calendar year unless otherwise provided by law.
Incentive and recognition programs.
Equity stock purchase.
Pension.